Critical illness insurance, otherwise known as critical illness cover or a dread disease policy, is an insurance product in which the insurer is contracted to typically make a lump sum cash payment if the policyholder is diagnosed with one of the specific illnesses on a predetermined list as part of an insurance policy. The policy may also be structured to pay out regular income and the payout may also be on the policyholder undergoing a surgical procedure, for example, having a heart bypass operation.
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| - Dread-Disease-Versicherung (de)
- Critical illness insurance (en)
- 重大疾病保险 (zh)
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| - Die Dread-Disease-Versicherung (engl. dread disease = furchtbare Krankheit, schlimme Leiden) ist eine private Personenversicherung, die selbstständig oder als Zusatzversicherung zu einer Versicherung auf den Todesfall das Eintreten einer den Versicherungsbedingungen entsprechenden schweren Erkrankung absichert. Die Anzahl, Art und der Schweregrad der abgesicherten Krankheiten ist dabei vom Vertrag abhängig. Auch Krebsversicherung werden in Deutschland zum Teil zu den Dread-Disease-Versicherung gezählt. (de)
- 重大疾病保险簡稱重疾险，是一種保险产品，指的是保险公司与投保人签订的保險合同後，如果投保人被诊断出患有保险機構所列的疾病清单上的某一种疾病，保险機構通常会一次性向投保人支付现金作为醫療費用補償。而此類疾病往往較為嚴重。 (zh)
- Critical illness insurance, otherwise known as critical illness cover or a dread disease policy, is an insurance product in which the insurer is contracted to typically make a lump sum cash payment if the policyholder is diagnosed with one of the specific illnesses on a predetermined list as part of an insurance policy. The policy may also be structured to pay out regular income and the payout may also be on the policyholder undergoing a surgical procedure, for example, having a heart bypass operation. (en)
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| - Critical illness insurance, otherwise known as critical illness cover or a dread disease policy, is an insurance product in which the insurer is contracted to typically make a lump sum cash payment if the policyholder is diagnosed with one of the specific illnesses on a predetermined list as part of an insurance policy. The policy may also be structured to pay out regular income and the payout may also be on the policyholder undergoing a surgical procedure, for example, having a heart bypass operation. The policy may require the policyholder to survive a minimum number of days (the survival period) from when the illness was first diagnosed. The survival period used varies from company to company, however, 14 days is the most typical survival period used. In the Australian market, survival periods are set between 8 – 14 days. The contract terms contain specific rules that define when a diagnosis of a critical illness is considered valid. It may state that the diagnosis need be made by a physician who specialises in that illness or condition, or it may name specific tests, e.g. EKG changes of a myocardial infarction, that confirm the diagnosis. In some markets, however, the definition of a claim for many of the diseases and conditions have become standardised, thus all insurers would use the same claims definition. The standardisation of the claims definitions may serve many purposes including increased clarity of cover for policyholders and greater comparability of policies from different life offices. For example, in the UK the Association of British Insurers (ABI) has issued a Statement of Best Practise which includes a number of standard definitions for common critical illnesses. There are alternative forms of critical illness insurance to the lump sum cash payment model. These critical illness insurance policies directly pay health providers for the treatment costs of critical and life-threatening illnesses covered by the policyholder’s insurance policy, including the fee of specialists and procedures at a select group of high-ranking hospitals up to a certain amount per episode of treatment as set out in the policy. (en)
- Die Dread-Disease-Versicherung (engl. dread disease = furchtbare Krankheit, schlimme Leiden) ist eine private Personenversicherung, die selbstständig oder als Zusatzversicherung zu einer Versicherung auf den Todesfall das Eintreten einer den Versicherungsbedingungen entsprechenden schweren Erkrankung absichert. Die Anzahl, Art und der Schweregrad der abgesicherten Krankheiten ist dabei vom Vertrag abhängig. Auch Krebsversicherung werden in Deutschland zum Teil zu den Dread-Disease-Versicherung gezählt. (de)
- 重大疾病保险簡稱重疾险，是一種保险产品，指的是保险公司与投保人签订的保險合同後，如果投保人被诊断出患有保险機構所列的疾病清单上的某一种疾病，保险機構通常会一次性向投保人支付现金作为醫療費用補償。而此類疾病往往較為嚴重。 (zh)
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